Accident Insurance

Global Personal Guard Policy

Name: Global Personal Guard | Personal Accident Insurance Policy
Brand: Bajaj General Insurance
Rating: 4.67 (18050 reviews)

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Key Features

One Policy, A World of Protection

Coverage Highlights

Get comprehensive protection for life's unexpected moments

Worldwide Coverage

Global coverage for death, permanent disability, injury from an adventure sports accident, coma due to accidental bodily injury and more

Design your own plan

Choose from host of base & optional covers

Assured Payout

Acts as a financial cushion by paying a lumpsum amount in case of death/ disability to protect you or your dependents from hardships of life

Financial Peace of Mind

Provides financial security to the insured's family in the event of the insured's Accidental Death and Permanent Total Disability

Cover Types

Offers financial protection by covering Accidental Death, Disabilities, medical expenses, and other related costs due to accidents

EMI Coverage for Life's Twists

Covers EMI payments if the policyholder is unable to work due to a disability from an accident

Inclusions

What’s covered?

Accidental Death

Pays agreed amount in case of accidental bodily injury resulting in Death within 12 months from accident date

Permanent Total Disability (PTD) Cover

Pays agreed amount in case of accidental bodily injury resulting in PTD within 12 months from accident date

Permanent Partial Disability (PPD) Cover

Pays agreed amount in case of an accidental bodily injury resulting in PPD within 12 months from accident date

Transportation of Mortal Remains Cover

Additional payment of up to 1% of Death Cover sum insured for expenses of transporting mortal remains

Funeral Expenses

Additional payment of 1% of Death Cover sum insured towards Funeral Expenses

Disappearance

Pays Death Cover sum insured if insured person is declared as disappeared as per terms & conditions

Lifestyle Modification Benefit

Pays additional payment of 2% of PTD Cover sum insured towards modification of home or vehicle to help you adjust to new circumstances

Exclusions

What’s not covered?

Self Inflicted Acts

Self-injury, illegal activities, hazardous activities and more

Intoxication

While under the influence of liquor or drugs , alcohol or other intoxicants

Participation in hazardous activities

While engaged in hazardous activity unless specifically insured

War & Related Perils

The policy does not cover any incidents related to war, civil war, invasion, rebellion, revolution, military actions, or government orders

Adventure Sports benefit

Whilst engaging in Adventure Sports unless specifically insured

Pre-Existing Conditions (PEDs)

Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded

Pregnancy and Childbirth

Complications or injuries related to pregnancy, childbirth, or miscarriage are not covered

Note

Please read Policy wording for detailed exclusions

Optional Covers

What else you can get?

Adventure Sports Cover

Pays agreed amount in case of death & permanent disability caused while engaging in adventure sports in non-professional capacity under a trained professional's supervision

Air Ambulance Cover

Indemnifies for ememgency air ambulance evacuation expenses incurred to take you from the accident site to the nearest hospital

Children Education Benefit

Pays agreed amount in case of death/ permanent disability to help cover dependent children's education costs

Coma Due to Accidental Bodily Injury

Pays agreed amount in case of accidental bodily injury causes you to be in a coma within one month from the date of the accident

EMI Payment Cover

Covers your EMIs in case of accidental bodily injury resulting in permanent partial disability. Preventing you from working for at least one month

Fracture Care Cover

Covers accidental bodily injuries resulting in bone fractures within the policy period

Hospital Cash Benefit

Pays a per day benefit amount for the period of hosppitalization subject to maximum of 60 days per policy period

Loan Protector Cover

Get coverage for the outstanding loan amount (up to the sum insured) in case the policyholder passes away due to accidental injuries or incurs a permanent total disavbility within 12 months of the accident

Loss of Income due to Disability from Accident

Get weekly payments to help with miscellanious expenses in case the policyholder incurs post-accidental bodily injuries that temporarily prevents them from working

Road Ambulance Cover

Covers cost on an ambulance offered by a healthcare or ambulance service provider

Travel Expenses Benefit

Pays travel expenses for a family member to reach the place outside your homecity, if you are hospitalized in case of an accident

Health Prime Rider

Tele Consultation Cover,Doctor-Prescribed Investigations Cover – Pathology & Radiology Expenses, Doctor Consultation Cover (In Clinic), Annual Preventive Health Check -up Cover etc

What is Global Personal Guard Policy?

The Global Personal Guard Policy is a personal accident insurance scheme provided by Bajaj General Insurance. It provides you with worldwide security against any unforeseen accidents.

Under this policy, the customer must mandatorily opt for any one of the three base cover sections, though more than one or all three may also be selected that include accidental death cover, permanent total disablement and permanent partial disablement. It offers a high sum insured option, ranging up to ₹25 crore, with independent premium rates. As a policy holder, you can also go for our add-on options from the list, including accidental hospitalisation, adventure sports injuries, air ambulance and income loss cover.

Quick Overview of Global Personal Guard Policy

1
High Sum Insured: The Global Personal Guard Policy option gives you coverage plans up to ₹25 Crore.
2
Available Base Covers: You can opt one or more of the 3 base covers. International Personal Accident Insurance includes accidental death, permanent total disablement, and permanent partial disablement covers.
3
Customisation Option: You can get additional features like air ambulance, adventure sport cover, and income loss cover.
4
Fixed Payouts: You will be receiving financial aid through lump-sum benefits on accidental death and disablement.
5
Dependents’ Security: Children’s education benefit will help you in securing the future education of your dependents.
6
Global Assistance: With Bajaj General Insurance, you can get 24x7 emergency services and medical assistance internationally.
7
Policy Tenures: Get your plan for 1 year, 2 years, or 3 years, and keep it renewable for life.
8
Ideal for Many Lifestyles: The plan is specifically made for all lifestyles, such as professionals, adventurers and self-employed individuals.

Why Choose Bajaj General Global Personal Guard?

You should choose our Global Personal Accident Insurance, because it provides extensive worldwide coverage against different losses caused by an accident. Go through the pointers below and understand why choosing Bajaj General Global Personal Guard is the best choice:

Worldwide Coverage

Our Global Personal Guard gives you global coverage for death, permanent disability, injury from adventure sports accidents, coma due to accidental bodily injury and more.
Assured Payout

The Bajaj General Global Personal Guard acts as a financial assistance as it pays a lump sum amount in case of unfortunate death or disability.
EMI Coverage for Life’s Twists

If you face any type of disability from an accident and are unable to work and have pending EMIs, we also cover that.
Children’s Education Benefit

We offer a lump sum amount to secure the educational costs of your dependent children in the event of your accidental death or permanent disability.
Income Protection

We give you optional covers for loss of income to ensure that you are provided a weekly benefit if an accidental bodily injury temporarily and completely prevents you from performing your occupational duties.
Air and Road Ambulance Benefit

We cover your emergency transport costs, including airlift and air ambulance services in remote or severe medical emergencies, helping you avoid spending hefty amounts.
Lifestyle Modification Benefit

It is an additional benefit under Permanent Total Disability, where 2% of the PTD sum insured is paid for modifications to residence and/or vehicle. It is not about renewal or long-term options. The premium is subject to IRDAI approved revisions.
24/7 Customer Support

We are committed to providing reliable customer support whenever you need it. Reach out to us anytime, from anywhere.

What are the Benefits of Global Personal Guard Policy?

Global Personal Guard Policy protects policyholders worldwide, offering base covers for accidental death and disability. Highly customisable, the plan provides several distinct optional riders to secure your health, income, and financial liabilities against unforeseen accidents.

Death Coverage

The policy gives worldwide monetary aid in case of death by accident, which includes disappearance benefits, funeral costs, and transportation of the body.

Disability and Income

It covers permanent total disability, permanent partial disability, and temporary total disability. The coverage includes loss of income replacement and lifestyle adjustment benefits for financial stability occurring due to any unfortunate event.

Hospitalisation and Care

The policy covers hospitalisation and care expenses arising from accidents that require immediate treatment. This includes costs for inpatient treatment, a daily hospital cash allowance and road ambulance services.

Specialised Medical Support

Benefits include fracture care, coverage for coma patients with life support and also Air Ambulance, which will ensure that an individual is taken to the right place in case of emergencies.

Liabilities and Loans

If a disability limits your ability to work, our insurance plan helps ease your financial burden by covering your existing eligible loan and EMI payments.

Adventure and Lifestyle

Stay protected against injuries resulting from adventure sports activities with our comprehensive coverage. The policy also provides family-oriented benefits, including the Children's Education Bonus, to support your children's future.

Global Assistance

The policy provides 24x7 global assistance and medical coverage to support you during emergencies and healthcare needs. With round-the-clock support, you can travel or work abroad with greater peace of mind.

Policy Flexibility

It offers flexible policy tenures such as 1, 2, or 3 years, highly adjustable sum insured limits, and lifelong renewal options. Additionally, the lifelong renewal feature ensures continuous cover for you.

Cumulative Bonus

It rewards claim-free years by increasing the base sum insured incrementally, helping maximise future financial protection. The accumulation of such bonuses increases the total insurance coverage over time without increasing the premium.

Who Should Opt for Global Personal Guard Policy?

The Global Personal Guard Policy offers both international and national accident protection schemes. This is best for people who want to be well covered financially from any accidents that could occur, leading to disability, injuries and even death due to travel, either locally or internationally.

The pointers below outline who needs a Global Personal Guard Insurance:

Frequent business travellers who regularly travel by air, especially for international trips

NRIs living or working abroad who need additional financial protection during medical or travel-related emergencies

People whose occupation involves a lot of transit or road travel risks

People involved in hazardous sports or activities

Primary earners who want to financially protect their dependents against unforeseen accidents

Self-employed individuals looking for financial support in case an injury or illness affects their ability to earn an income

Difference Between Global Accident Insurance and Individual Health Insurance

Global accident insurance and individual health insurance serve distinct but complementary roles. Have a glance at the table below to understand the difference between the two:

Criteria	Global Accident Insurance	Individual Health Insurance
Core Coverage	Covers accidental death, permanent total or partial disability and dismemberment	Covers regular medical bills, including inpatient hospitalisation, surgeries, doctor consultations and more
Triggers and Limitations	Does not cover any illnesses, pre-existing conditions or general diseases, but strictly limited to an unforeseen, external and violent accident	Covers illnesses, pre-existing conditions or general diseases
Income and Additional Protection	Provides lump-sum payouts for loss of income due to disability from accident, income replacement or lifestyle changes resulting from a disability	Strictly pays for medical expenses only

Eligibility Criteria for Global Personal Guard

The Global Personal Guard covers all forms of accidental deaths, accidental permanent disabilities and accidental hospitalisation anywhere in the world. It is meant to assist individuals in handling medical and financial risks from unexpected accidents.

These are the eligibility criteria for the Worldwide Personal Accident Insurance:

Eligibility Criteria	Specifications
Age Limits of Parents and Proposer	Minimum proposer or parents age is 18 years and maximum proposer or parents age is 70 years
Age Limits of Children	Minimum children's age is 3 months and maximum children's age is 25 years
Eligible Members	Self, spouse, dependent children and dependent parents
Sum Insured	Maximum sum assured is 100 times the monthly income of the proposer for the Death Cover and is capped at a maximum of ₹25 crore
Occupational Risk Groups	Classified in standard occupation-based risk groups, ranging from low risk to high risk occupations
Mandatory Base Covers	Accidental death, permanent total disability and permanent partial disability

Documents Required for Global Personal Guard

General or common documents required for Global Personal Guard include:

An original proof of date of birth, such as a PAN card, Aadhaar card or passport

A valid address proof displaying your residential PIN code

Medical certificate issued by the attending doctor indicating the nature, cause, and extent of injuries

A duly filled claim form

An original copy of the hospital bill, discharge report and payment receipt to process the claim

Disability certificate issued by a civil surgeon and a Police First Information Report (FIR) / Medico Legal Certificate (MLC)

Why Should You Buy Bajaj General Policy ?

Buy Now

Affordable Premium

Wide range of plans to suit your pocket

Instant Policy Insurance

Quick issuance process with no medical tests required

Quick Claim Settlement

Fast claim settlement

Easy Renewal

for continuous coverage

24x7 Assistance

for continuous support

Road Accidents On The Rise

Over 1.5 lacs of people die in road accidents yearly

Workplace Accidents

Despite workplace safety becoming better, accidents are on the rise

Financial Security for Your Family

In case of death or severe injuries of the breadwinner can set back the entire family

Step-by-Step Guide

How to Buy Global Personal Guard Policy Online?

How to Buy

1

Visit Bajaj General website
2

Enter personal details
3

Compare health insurance plans
4

Select suitable coverage
5

Check discounts & offers
6

Add optional benefits
7

Proceed to secure payment
8

Receive instant policy confirmation

Buy Now

How to Renew

1

Login to the app
2

Enter your current policy details
3

Review and update coverage if required
4

Check for renewal offers
5

Add or remove riders
6

Confirm details and proceed
7

Complete renewal payment online
8

Receive instant confirmation for your policy renewal

Renew Now

How to Claim

1

Notify Bajaj General about the claim using app
2

Submit all the required documents
3

Choose cashless or reimbursement mode for your claim
4

Avail treatment and share required bills
5

Receive claim settlement after approval

Claim Now

How to Port

1

Check eligibility for porting
2

Compare new policy benefits
3

Apply before your current policy expires
4

Provide details of your existing policy
5

Undergo risk assessment by Bajaj General
6

Receive approval from Bajaj General
7

Pay the premium for your new policy
8

Receive policy documents & coverage details

Port Now

Download Policy Documents

Get instant access to policy details with a single click

Brochure

Policy Wordings

Proposal Form

Claims Form

Customer Info Sheet

Download

Frequently Asked Questions on Global Personal Guard Policy

Is a medical examination mandatory for this policy?

A medical examination is not always mandatory for the Global Personal Guard Policy. It may be required if the sum insured exceeds a certain limit or if the insurer needs additional health information. This ensures accurate risk assessment while offering reliable health care insurance coverage.

Can I avail tax benefits from Group Personal Guard Insurance?

No, employees cannot claim tax benefits as the premium is usually paid by the employer. However, employers can claim it as a business expense for tax deductions.

What factors determine the premium for Group Personal Guard Insurance?

The premium is calculated based on the number of employees, the nature of their work, their risk levels, and the coverage amount. Optional add-ons also affect the premium cost.

Do I need to pay a premium to avail the benefits of a Group Personal Accident?

No, the employer typically pays the premium, allowing employees to enjoy the benefits without any personal cost.

Do members of a Group Personal Guard Cover need pre-policy medical tests?

No, pre-policy medical tests are not required since the plan only covers accidental injuries and related disabilities.

Can I claim tax benefits for paying premiums towards a Group Personal Accident policy?

Only employers can claim tax benefits by treating the premium payment as a business expense under applicable tax laws.

What are the main exclusions of a Group Personal Guard Cover?

Exclusions generally include injuries from self-harm, drug or alcohol abuse, criminal acts, pre-existing conditions, and high-risk activities like adventure sports.

Will members of a Group Personal Guard Cover receive the sum insured?

Yes, if an accident leads to permanent disability, the insured member is compensated as per the policy’s terms and conditions.

Does Group Personal Guard Insurance cover all types of injuries?

No, the policy only covers injuries caused by accidents. It does not cover natural causes, self-inflicted harm, or injuries from unlawful activities.

What are the Permanent Disability clauses in a Group Personal Guard policy?

The plan covers both total and partial permanent disabilities, including loss of sight, hearing, or limbs, with compensation based on the severity of the disability.

What compensation is payable under a Group Personal Accident Plan?

Compensation depends on the nature of the injury—ranging from partial payouts for minor disabilities to the full sum insured for total disability or accidental death.

Do I need to pay a higher premium to avail Group Personal Guard Covers?

The premium depends on factors like job risk and coverage level, but group plans generally provide comprehensive protection at a more affordable rate.

If someone dies of a stroke, will their family receive compensation?

No, strokes and other natural causes are not covered. The policy only compensates for deaths resulting from accidents.

What is the scope of coverage under a Group Personal Guard Cover?

The policy covers accidental death, permanent or partial disability, medical expenses, and additional benefits such as funeral costs and child education support.

Can I avail of policy benefits in case of a natural death?

No, Group Personal Guard Insurance only covers accidental death and does not provide compensation for natural causes.

Frequently travel for business and holidays. What if I meet with an accident abroad?

Group Personal Guard Insurance usually offers worldwide coverage, ensuring you are protected against accidental injuries, even during business trips or vacations.

Can I renew my Global Personal Accident policy online?

Yes, you can easily renew your Global Personal Guard Policy online through the Bajaj General portal. The process is simple, secure, and allows you to continue your accident and health care insurance protection without visiting a branch office.

Are there optional riders available with this policy?

Yes, the Global Personal Guard Policy offers multiple optional covers like adventure sports benefit, accidental hospitalisation expenses, loan protector cover, and hospital cash benefit. These riders provide added flexibility, making it more comprehensive than standard accident or health care insurance policies.

Is there a grace period for renewal?

Yes, a 30-day grace period is provided for renewing the Global Personal Guard Policy. During this time, the policy remains renewable to ensure continued protection. However, any accidents occurring in the break period will not be covered, as per the health insurance policy norms.

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